Free Insurance, Movie Benefits To Go: What ICICI Bank Credit Card Users Need To Know

ICICI Bank credit cardholders will see changes in certain fees and complimentary benefits over the next two months. The revisions cover card replacement charges, international transactions, insurance protection, and movie-related benefits.

The changes will apply to specific credit card categories, with different effective dates. While some customers will have to pay higher charges for replacement services, others will lose insurance covers and complimentary INOX benefits.

Credit Card Replacement Fee To Increase From December 11

ICICI Bank will increase its credit card replacement fee from Rs 200 to Rs 300, excluding Goods and Services Tax (GST), from December 11, 2026. The revised charge will apply when eligible credit cards are replaced. However, the Emeralde Private Metal, 1838 Reserve and Times Black credit cards are excluded from this revision.

The bank will also introduce a replacement charge for Priority Pass cards from the same date. At present, customers receive this service without paying a replacement fee. Under the revised structure, they will have to pay Rs 300 plus GST for each replacement. The change will cover select variants, including Emeralde Private Metal, Emeralde Private, Emeralde, Sapphiro and Times Black, along with certain co-branded credit cards.

Complimentary Insurance Covers To Be Discontinued

ICICI Bank will discontinue certain complimentary insurance benefits linked to select credit cards from December 15, 2026. The complimentary air accident and related insurance cover will no longer be available on Emeralde Private Metal, Times Black, Emeralde, Emeralde Private, Diamant, Sapphiro and Rubyx credit cards.

The Cancellation For Any Reason (CFAR) cover will also be withdrawn from Emeralde Private Metal, Times Black, Emeralde, and Emeralde Private credit cards. Separately, personal and air accident insurance covers linked to the Parakram Select and Parakram credit cards will be discontinued.

Cardholders should review the insurance benefits attached to their cards and make alternative arrangements where required.

Free INOX Movie Benefit To End On Select Cards

The complimentary INOX movie benefit will also be discontinued from December 15, 2026. The withdrawal will cover select credit cards, including Rubyx, Coral and Expressions, as well as the Chennai Super Kings ICICI Bank Credit Card.

Customers holding these cards will no longer be eligible for the complimentary INOX benefit after the effective date.

DCC Fee To Increase To 3.50 Per Cent From November 25

ICICI Bank will increase the dynamic currency conversion (DCC) fee on select business and corporate credit cards from November 25, 2026. The charge will increase from 1 per cent to 3.50 per cent of the transaction amount.